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Sandra and I wanted to kick-start 2010 by first asking you to take a look and see what you learned last year and decide what still is missing. Maybe some things regarding your finances will remain the same while other areas need improvement. We suggest you review again some of our past articles and ask us lots of questions so we can better assist you. Let’s take the “closet approach” which Sandra and I have adopted and start getting rid of old patterns that are not working for you. Here are some questions that can assist you with discovering what to do next.

1. What do I really want?

2. Do I really understand my finances i.e banking, interest rate, late fees, mortgage loans, insurance, financial statements? If you are still having some difficulties please review our past article or please send us your questions we are here to support and empower you.

3. What is my relationship to money? Do I honor it or not? What are my beliefs around money? These are very important questions.

4. How do I take control of my finances? For example, I want to be responsible for my outcome but whom can I trust?

5. What type of resources are missing, in order for me take control of my finances?

6. What is my emotional state of being right now? For some of us we are an emotional spender. If we are serious about our finances and being abundant we must understand “why” we spend the way we do. How can we break this cycle?

By answering these questions you will begin to understand more clearly where you are at financially – FIRST TEAR APART THE CLOSET, KNOW WHAT’S IN THERE, DECIDE WHAT YOU WANT TO KEEP AND WHAT YOU WANT TO DISCARD/GIVEAWAY (donations??) AND THEN YOU ARE IN A MORE EMPOWERED AND AWARE STATE TO MAKE SOUND FINANCIAL DECISIONS.

Both Maritza and I have done this over the last year to give us a more clear idea of where our finances are at so that we can make sound financial decisions for each of us, and our respective families.